Please request your HR Department to include your spouse and child. An eligible child will be covered until the end of the contract year in which he/she reaches age 18, or 23 if a full time student. No age limit for a dependant who is physically or mentally handicapped and unable to live independently.
Upgrading your plan is only allowed if you as a principal member has been promoted from your current post and is eligible for a higher plan according to the new designation. All dependents will be in the same category of the principal insured.
At present, we are only offering Health insurance solutions to corporate.
Maternity coverage is an optional cover that is opted on the level of the plan/Group. If the plan you are affiliated to is having that additional coverage, automatically maternity will be added to all married insured female aging from 18 to 50 years old. If the benefit is not available for your current plan if can’t be added on selection basis.
Employee’s spouse and children are the only dependents that can be enrolled in the insurance policy.
Yes, from 18 to 50 years old applicable only for married females.
Yes, if the maternity benefit is included in your plan, caesarean section will be covered subject to the maternity sub-limit mentioned in the table of benefits.
Yes, if the maternity benefit is included in your plan, legal abortion will be covered subject to the maternity sub-limit mentioned in the table of benefits.
Yes, if the maternity benefit is included in your plan, maternity complications will be covered subject to the maternity sub-limit mentioned in the table of benefits.
Delivery should be done only within the plan’s geographical scope of cover to be covered by the insurance policy.
OQIC approval must be obtained for certain medical procedures/treatments. Healthcare provider bears the responsibility to obtain the preapproval from OQIC. Following are some examples for services that require preapproval:
Please ensure that any expenses for non-emergency “elective in-patient” treatment are approved by OQIC before any planned treatment is undertaken. Planned inpatient treatment availed without pre-authorization from OQIC may not be eligible for a full refund in accordance with the policy terms and conditions, hence, seeking a prior approval from OQIC is recommended to know whether or not the planned treatment is covered and how much will be covered.
Answer:
If the country where you are planning the delivery is covered within the geographical scope of cover, the arrangement shall be as follows:
Payments can be made either through a cheque or bank transfer based on your preference.
Claims should be submitted to us within 45 days from the treatment date.
Payment for cash reimbursement claim will be made within 14 working days from the date of receiving a complete claim documents.
You may download OQIC Reimbursement Claim Form through OQIC website.
Omani Riyals
Our website is https://www.medical.oqic.com. You will need to click on “Member” and then enter your Omani ID# or MEM# which is mentioned on your membership card. That will enable you to get access to all our online services.
You can seek medical care immediately or speak to our 24/7 call centre to assist you. Wherever possible, please notify us within 24 hours from hospital admission.
No. You can visit a specialist or consultant directly.
Please visit the “Policy” section of the mobile app or visit our online portal and click on “Benefit Limits / Dental Benefit / Sub-benefits”
Please visit the “Policy” section of the mobile app or visit our online portal and click on “Benefit Limits / Dental Benefit / Sub-benefits”
No need as long you are covered for orthodontics “except for some policies”
Please visit the “Policy” section of the mobile app or visit our online portal and click on “Benefit Limits / Dental Benefit / Sub-benefits”
You can always contact us for any clarifications or assistance via “Chat” section of this mobile app or you can contact our call centre on:
You can also view the covered benefits through “Policy” section of this app or visit our online portal.
You may contact our call centre and they will assist you accordingly.
An insured has to pay the deductible, co-payment and co-insurance mentioned in the membership card (if any), for more information please refer to the table of benefits.
Deductible is the amount out of a claim which has to be borne by the Insured person before the relevant benefits are payable under the Policy away from optional benefits.
Co-payment is the percentage of costs the Insured must pay related to Dental, Optical & Maternity related treatments.
Co-insurance is the percentage of patient share applicable for Cash reimbursement claims or applicable on specific service provider. Kindly refer to the table of benefits for details.
You will need to notify your HR department to ask for a replacement. A replacement fee will be levied.
Please refer to your Table of Benefits.
Please refer to your Table of Benefits.
Please refer to your Table of Benefits.
Please refer to your Table of Benefits.
The sole purpose of this policy is to treat and cure existing medical conditions; hence preventive measures are not covered
No. Policy and benefit limits of the previous policy year can’t be carried over for the next policy year.
Yes you can. Please submit the claim for cash reimbursement.
You can visit “Provider” section of this app
Your membership card is purely a way to identify you, coverage is subject to policy terms.
You can call our call center directly or submit your complaint through this application “Chat Section”. Please go to “About OQIC” section for more details.
You can easily have a real-time chat with OQIC team wherever you are. You can check your eligibility, coverage details, balances, claim or preapproval status. Simply speaking, OQIC services have become at your fingertips. Interacting with OQIC team has never been easier! In few seconds, you can voice your thoughts, file complaints, report abuse activities, or schedule an appointment with your preferred healthcare provider.
You can easily know the covered benefits, sub-benefits, treatments and exclusions. Moreover, you will come to know the remaining balance in each benefit. Travelling? Download the health certificate for you and your family members. Lost your card? You can show the electronic version of your card to the network provider instantly till you replace it shortly after.
You are now one click away from submitting and tracking your claims. You just have to shoot your invoices, upload the photos and submit them directly to OQIC Claims Department. Money will be deposited into your account within few days! Undergoing an elective in-patient treatment outside OQIC providers Network? Spare few minutes to submit a pre-approval request to emphasize the coverage and to know the reimbursable amount.
Using your GPS function, no matter where you are, OQIC will guide you to locate the nearest direct billing providers all over the world with all their relevant details.
It is the time to adhere to your medications! You can simply set reminders which will alert you to take your medications at set forth times. You can also know you BMI. Say goodbye to paper files! Now you can create and view your personal health records including visit details, doctor remarks, investigations’ reports and even prescriptions.
Your health matters to us. We will help you maintain healthy lifestyle both physically and psychologically. On daily basis, you will receive valuable health tips which will shape your perspective in various health matters.
